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Oregon Rent and Mortgage Cancellation 2020 Proposal Draft

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Oregon Rent and Mortgage Cancellation 2020 Proposal Draft Oregon Rent and Mortgage Cancellation 2020 Proposal Draft Cancelling Rent and Mortgages means: ​ ● Suspending rent and mortgages for the duration of the pandemic, and additional 12 months after the emergency ends, to enable community stability during the economic recovery period. For Renters For Homeowners and Property Owners ● Universal, which means it applies to ● Mortgage payments to zero and those who are undocumented, don’t suspend interest accrual. have a bank account or permenant ● Prioritizing owner-occupied homes address, or if you’re informally (low-income and working class), employed. nonprofit affordable housing ● Applies to all types of rental housing, providers, Project-Based Section 8, including space-rent for HUD housing, LIHTC, and small mobile/manufactured homes. landlords who are “natural persons,” ● No late fees, back rent, or any debt i.e., not corporations. that is related to failure to pay rent ● Make relief available to nonprofit and because of the pandemic. deed-restricted affordable housing ● An end to all evictions during the providers, who often face tight period of the pandemic. margins. Require all landlords ● A rent freeze for the economic accessing mortgage forbearance or recovery period after the pandemic forgiveness to cancel rent, automatic ends. lease renewal, and rent freeze. ● A right to lease renewal during the ● Fund habitability repairs and pandemic. accessibility conversions. This ● Ensure enforcement and protect includes conversions of vacant units. tenants against retaliation. Establish ● Give tenants the right to purchase oversight, enforcement mechanisms, when landlords do not pay for and financial penalties on landlords habitability repairs; who violate rent cancellation, try to ● Increase emergency housing. Quality harass tenants into leaving, or neglect and safe emergency housing, with habitability problems to force tenants access to healthy food, support out. Remedies for tenants must be services, and health care, must be accessible and not risk COVID made available immediately to all exposure. unhoused people; any evictees; people released from detention; and tenants forced to leave due to habitability problems, safety concerns, and domestic violence. Reclaim Affordability Means: Prioritize public spending toward reclaiming homes as public or ​ social housing placed under democratic community control. It’s a buy out, not a bail out. ​ “Social housing” is a public option for housing that is permanently affordable and protected from the private market. It can be owned by public entities or nonprofits, including tenant cooperatives and community land trusts. Government can also transfer ownership to public or community control, while compensating landlords as buyouts, not bailouts. ● Buy out homes. Transfer properties with delinquent mortgages, or which landlords have put up for sale, to public entities that can convert these to social housing, while allowing existing residents to remain in place and providing housing for unhoused people. ● Establish buyout or housing trust funds, bonds, and taxes: Finance local capacity to pay for buyouts by issuing municipal bonds; enacting progressive taxation; and channeling investment from public pension funds. The Federal Reserve should purchase and guarantee buyout bonds. ● Enact COVID-19 Opportunity to Purchase: Give public entities, nonprofits, and tenants the first right of purchase over all sales of all property and delinquent mortgage debt that occur during the emergency and recovery period, to stall corporate landlords from snatching these properties up. ● Enact strong rent control and withhold relief to corporate landlords: Doing so helps bring them to the bargaining table for buyouts. ● Use eminent domain: This offers a means of implementing buy outs while providing distressed landlords compensation. Eminent domain can target AirBnbs, luxury housing, and corporate landlords. ● Enact and strengthen community reinvestment acts: Obligate banks to sell foreclosed property to local residents, community land trusts, or co-ops, or for conversions to community-based ownership models. ● Require permanent affordability and right to remain: All bought-out properties must keep residents in place at permanently affordable rents. ● Affirmatively Further Fair Housing: Ensure buy out programs increase quality of social housing for low-income people in all communities. ● Offer fair prices: Purchase prices should reflect reduced property values under pandemic conditions and the ensuing economic fallout, as well as properties’ state of repair. ● Require public transfer of distressed mortgages: Public banks, and any banks receiving public bailout funds, that are in a position to foreclose on properties must instead sell or transfer these assets to nonprofit and public entities that can oversee their conversion to social housing, while keeping residents in place. ● Expand public and cooperative banking: This would finance social housing, and disrupt the speculation driven link between mortgage lending and Wall Street. ESPAÑOL Cancelación de renta e hipotecas 2020 en Oregon Borrador de la propuesta ● La cancelación de renta e hipotecas significa: ○ Suspender la renta y las hipotecas por la duración de la pandemia, con un mínimo de 90 días después de que finalice la emergencia. Para Inquilines Para dueños de casa y dueños de propiedades ● Universal, lo que significa que aplica a ● Pagos hipotecarios a cero y personas indocumentadas, que no suspender la acumulación de tienen una cuenta bancaria o una intereses. dirección permanente, o si tienen ● Priorización de viviendas ocupadas empleo informal. por sus propietarios (de bajos ● Se aplica a todo tipo de viviendas de ingresos y clase trabajadora), alquiler, incluido el alquiler de proveedores de viviendas asequibles espacios para casas móviles / sin fines de lucro, Sección 8 basada prefabricadas. en proyectos, viviendas de HUD, ● No recargos por pagos atrasados, LIHTC y pequeños propietarios que renta atrasada o cualquier deuda son "personas físicas", es decir, no relacionada con la falta de pago de corporaciones. renta debido a la pandemia. ● Poner a disposición alivio a ● El fin de todos los desalojos durante proveedores sin fines de lucro de el período de la pandemia. viviendas asequibles y con restricción ● Una congelación de renta para el de escritura, que a menudo enfrentan período de recuperación económica márgenes ajustados. Exigir a todos después de que termine la pandemia. los propietarios que accedan al ● Un derecho de renovación de perdón de hipoteca que cancelen la arrendamiento durante la pandemia. renta de sus inquilinos, den ● Garantizar el cumplimiento y proteger renovación automática del contrato de a los inquilinos contra represalias. arrendamiento y congelen la renta. Establecer supervisión, mecanismos ● Financiar reparaciones/mantenimiento de aplicación y sanciones financieras de habitabilidad y conversiones de para los propietarios que violen la accesibilidad. Esto incluye cancelación de renta, intenten conversiones de unidades vacantes. hostigar a los inquilinos para que se ● Dar a los inquilinos el derecho de vayan o descuiden los problemas de comprar cuando los propietarios no habitabilidad para expulsarlos. Los pagan reparaciones/mantenimiento remedios para inquilinos deben ser de habitabilidad; accesibles y no arriesgarse a la ● Aumentar vivienda de emergencia. exposición de COVID. Viviendas de emergencia de calidad y seguras, con acceso a alimentos saludables, servicios de apoyo y atención médica, deben estar disponibles de inmediato para todas las personas sin vivienda; cualquier desalojado; personas liberadas de la detención; y los inquilinos obligados a irse debido a problemas de habitabilidad, problemas de seguridad y violencia doméstica. Reclamar medios asequibles: Priorizar gastos públicos para reclamar viviendas como viviendas públicas o sociales bajo control democrático de la comunidad. Es una COMPRA, no una fianza. La "vivienda social" es una opción pública de vivienda que es permanentemente asequible y protegida del mercado privado. Puede ser propiedad de entidades públicas o sin fines de lucro, incluidas cooperativas y fideicomisos de tierras comunitarias. El gobierno también puede transferir la propiedad al control público o comunitario, al tiempo que compensa a los propietarios como compras, no como rescates. ● Compra de casas. Transferir propiedades con hipotecas morosas, o que los propietarios hayan puesto a la venta, a entidades públicas que puedan convertirlas en viviendas sociales, al tiempo que permite que los residentes existentes permanezcan en su lugar y proporcionen viviendas para personas sin vivienda. ● Establecer fondos fiduciarios para compra o vivienda, bonos e impuestos: Financiar la capacidad local para pagar compras mediante la emisión de bonos municipales; promulgar impuestos progresivos; y canalizar inversiones de fondos públicos de pensiones. La Reserva Federal debería comprar y garantizar bonos de compra. ● Promulgue la Oportunidad de compra de COVID-19: otorgue a las entidades públicas, organizaciones sin fines de lucro e inquilinos el primer derecho de compra sobre todas las ventas de todas las propiedades y deudas hipotecarias morosas que ocurran durante el período de emergencia y recuperación, para evitar que los propietarios corporativos los coman. ● Promover un control de renta fuerte y retenga el alivio a los propietarios corporativos: hacerlo ayuda a llevarlos a la mesa de negociaciones para la compra. ● Use un dominio eminente:
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